32563 — Santa Rosa County, Florida Market Snapshot
Housing market data for zip code 32563 in Santa Rosa County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
186 sales in 2026 (year to date)
Median Sale Price
$441,750
Days to Sell
60
Homes Sold
186
Inventory
208
Sale-to-List
97.8%
New Listings
233
Price/SqFt
$222
Pending Sales
220
Conforming Loan Available
Most homebuyers in 32563 can comfortably use conventional financing. The median home price of $441,750 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 60 days on average, 32563 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 32563 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 32563 can comfortably use conventional financing. The median home price of $441,750 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 32563 are set at the county level.
2026 Loan Limits — Santa Rosa County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 32563
To purchase the median home at $441,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,535.
Monthly Payment
$3,535
Income Required
$151,480
Principal & Interest
$2,722/mo
Down Payment (5%)
$22,088
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 32563.
Estimated Monthly Payment
$2,884
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